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Fees

Merchant Edit Fees Page Description

The Merchant Edit Fees page in the payment processing service interface allows administrators and authorized users to manage and customize fee structures for individual merchants. This page provides a user-friendly interface for editing various fee categories associated with merchant accounts, ensuring accurate and flexible billing configurations.

Page Overview

The page is organized into key sections, each representing a distinct fee category. Users can input, update, or review fees with clearly labeled fields and descriptions. Validation rules ensure all entries comply with the system's requirements.

Main Sections

  1. Minimum Discount Information:

    • Input fields for setting the base discount rate.
    • Threshold details, such as minimum transaction volume required to maintain the rate.

  2. Early Termination Fee:

    • Editable fields to define the termination fee amount.
    • Option to add notes explaining the conditions under which the fee applies.

  3. Visa/MasterCard/Discover Fees:

    • Detailed fee structure for card network processing, including:
      • Interchange fees
      • Assessment fees
      • Network-specific charges

  4. AMEX Fees:

    • Customizable fields for American Express transaction fees, rates, and conditions.

  5. Authorization, Monthly, & Special Program Fees:

    • Fields to manage:
      • Per-authorization charges
      • Monthly maintenance fees
      • Fees for participation in special programs or premium services

  6. MISC (SIF Fees):

    • Section for defining Standard Industry Fees (SIF) and any additional miscellaneous fees.

  7. Other Fees:

    • Flexible input section for creating custom fees or adding extra charges that do not fall into the predefined categories.

Features

  • Editable Fields: Users can easily update fee values and save changes.
  • Validation Checks: Ensures data accuracy, such as valid percentage rates and numerical amounts.
  • Descriptions: Contextual help text or tooltips for each fee type to guide users.
  • Audit History: Optional log showing previous fee configurations for reference and compliance.

Usage Scenario

The Merchant Edit Fees page is ideal for administrators managing a merchant's onboarding process or revising existing fee structures to accommodate new terms, changes in processing rates, or merchant-specific arrangements.

Suggest Edits

Minimum Discount Information and Early Termination Fee


"minimumDiscountAmount": 1.0000,
"minimumDiscountStartDate": "2024-11-26T00:00:00-05:00",
"minimumDiscountType": 2,
"earlyTerminationFeeAmount": 3.0000,
"earlyTerminationFeeContractMonths": 36,

📘

Examples blocks fees

Example of fees calculation on the example of a transaction of 100$
"perItem": 0.1,
"percent": 2
0.1+ (0.2 * 100) = 0.3 fees for this transaction with this type of pricing

Amex:

interchangePlus:

"amex": {  
        "interchangePlus": {  
          "qualifiedDiscount": {  
            "perItem": 1,  
            "percent": 2.3  
          }  
        }  
      },

AmexTieredDiscounts:

"amex": {  
        "tieredDiscounts": {  
          "qualifiedDiscount": {  
            "perItem": 0.3,  
            "percent": 4  
          },  
          "midQual": {  
            "perItem": 0.3,  
            "percent": 4  
          },  
          "nonQual": {  
            "perItem": 0.3,  
            "percent": 4  
          }  
        }  
      },

AmexNoSurcharge:

"amex": {  
        "noSurcharge": {  
          "qualDiscount": {  
            "perItem": 0.5,  
            "percent": 6  
          }  
        }  
      },

AmexInterchangePlusPlus:

"amex": {  
  "amexInterchangePlusPlus": {  
    "qualifiedDiscount": {  
      "perItem": 0.7,  
      "percent": 8  
    },  
    "midQual": {  
      "perItem": 0.7,  
      "percent": 8  
    },  
    "nonQual": {  
      "perItem": 0.7,  
      "percent": 8  
    }  
  }  
},

VisaMasterCardDiscover:

BillBackIntrDifferential:

"visaMasterCardDiscover": {  
        "billBackIntrDifferential": {  
          "vsQualCrDiscount": {  
            "perItem": 0.1,  
            "percent": 2  
          },  
          "vsQualDbDiscount": {  
            "perItem": 0.1,  
            "percent": 2  
          },  
          "mcQualCrDiscount": {  
            "perItem": 0.1,  
            "percent": 2  
          },  
          "mcQualDbDiscount": {  
            "perItem": 0.1,  
            "percent": 2  
          },  
          "dsQualCrDiscount": {  
            "perItem": 0.1,  
            "percent": 2  
          },  
          "dsQualDbDiscount": {  
            "perItem": 0.1,  
            "percent": 2  
          },  
          "vsNonQualICDiff": {  
            "perItem": 0.1,  
            "percent": 2  
          },  
          "mcNonQualICDiff": {  
            "perItem": 0.1,  
            "percent": 2  
          },  
          "dsNonQualICDiff": {  
            "perItem": 0.1,  
            "percent": 2  
          },  
          "axNonQualICDiff": {  
            "perItem": 0.1,  
            "percent": 2  
          }  
        }  
      },

InterchangePlus:

 "visaMasterCardDiscover": {
    "interchangePlus": {
      "vsQualCrDiscount": {
        "perItem": 3,
        "percent": 0.4
      },
      "vsQualDbDiscount": {
        "perItem": 3,
        "percent": 0.4
      },
      "mcQualCrDiscount": {
        "perItem": 3,
        "percent": 0.4
      },
      "mcQualDbDiscount": {
        "perItem": 3,
        "percent": 0.4
      },
      "dsQualCrDiscount": {
        "perItem": 3,
        "percent": 0.4
      },
      "dsQualDbDiscount": {
        "perItem": 3,
        "percent": 0.4
      }
    }
  },

NoSurcharge:

"visaMasterCardDiscover": {  
        "noSurcharge": {  
          "vsQualCrDiscount": {  
            "perItem": 0.5,  
            "percent": 6  
          },  
          "vsQualDbDiscount": {  
            "perItem": 0.5,  
            "percent": 6  
          },  
          "mcQualCrDiscount": {  
            "perItem": 0.5,  
            "percent": 6  
          },  
          "mcQualDbDiscount": {  
            "perItem": 0.5,  
            "percent": 6  
          },  
          "dsQualCrDiscount": {  
            "perItem": 0.5,  
            "percent": 6  
          },  
          "dsQualDbDiscount": {  
            "perItem": 0.5,  
            "percent": 6  
          }  
        }  
      },

TieredDiscountsMOTOEcomm:

"visaMasterCardDiscover": {  
        "tieredDiscountsMOTOEcomm": {  
          "vsQualCrDiscount": {  
            "perItem": 0.7,  
            "percent": 8  
          },  
          "vsQualDbDiscount": {  
            "perItem": 0.7,  
            "percent": 8  
          },  
          "mcQualCrDiscount": {  
            "perItem": 0.7,  
            "percent": 8  
          },  
          "mcQualDbDiscount": {  
            "perItem": 0.7,  
            "percent": 8  
          },  
          "dsQualCrDiscount": {  
            "perItem": 0.7,  
            "percent": 8  
          },  
          "dsQualDbDiscount": {  
            "perItem": 0.7,  
            "percent": 8  
          },  
          "midMOTO": {},  
          "nonQual": {}  
        }  
      },

TieredDiscountsRetail:

"visaMasterCardDiscover": {  
        "tieredDiscountsRetail": {  
          "vsQualCrDiscount": {  
            "perItem": 0.9,  
            "percent": 10  
          },  
          "vsQualDbDiscount": {  
            "perItem": 0.9,  
            "percent": 10  
          },  
          "mcQualCrDiscount": {  
            "perItem": 0.9,  
            "percent": 10  
          },  
          "mcQualDbDiscount": {  
            "perItem": 0.9,  
            "percent": 10  
          },  
          "dsQualCrDiscount": {  
            "perItem": 0.9,  
            "percent": 10  
          },  
          "dsQualDbDiscount": {  
            "perItem": 0.9,  
            "percent": 10  
          },  
          "midQual": {},  
          "nonQual": {}  
        }  
      },

CustomInterchange:

"visaMasterCardDiscover": {  
        "customInterchange": {  
          "vcMcDsInterSurcharge": {  
            "perItem": 0.1,  
            "percent": 2  
          },  
          "vsQualCrDiscount": {  
            "perItem": 0.1,  
            "percent": 2  
          },  
          "vsQualDbDiscount": {  
            "perItem": 0.1,  
            "percent": 2  
          },  
          "mcQualCrDiscount": {  
            "perItem": 0.1,  
            "percent": 2  
          },  
          "mcQualDbDiscount": {  
            "perItem": 0.1,  
            "percent": 2  
          },  
          "dsQualCrDiscount": {  
            "perItem": 0.1,  
            "percent": 2  
          },  
          "dsQualDbDiscount": {  
            "perItem": 0.1,  
            "percent": 2  
          }  
        }  
      },

CustomInterchangeDurbin:

 "visaMasterCardDiscover": {  
        "customInterchangeDurbin": {  
          "interSurcharge": {},  
          "interNonSurcharge": {},  
          "regulatedDbSurcharge": {},  
          "vsQualCrDiscount": {  
            "perItem": 0.3,  
            "percent": 4  
          },  
          "vsQualDbDiscount": {  
            "perItem": 0.3,  
            "percent": 4  
          },  
          "mcQualCrDiscount": {  
            "perItem": 0.3,  
            "percent": 4  
          },  
          "mcQualDbDiscount": {  
            "perItem": 0.3,  
            "percent": 4  
          },  
          "dsQualCrDiscount": {  
            "perItem": 0.3,  
            "percent": 4  
          },  
          "dsQualDbDiscount": {  
            "perItem": 0.3,  
            "percent": 4  
          }  
        }  
      },

InterchangePlusPlus:

"visaMasterCardDiscover": {  
        "interchangePlusPlus": {  
          "qualifiedDiscount": {  
            "perItem": 0.5,  
            "percent": 6  
          },  
          "midQual": {  
            "perItem": 0.5,  
            "percent": 6  
          },  
          "nonQual": {  
            "perItem": 0.5,  
            "percent": 6  
          }  
        }  
      },

Authorization, monthly & special program fees

"authorizationMonthlyAndSpecialProgram": {
            "vsmcdiscAuth": {
                "perItem": 0.1500,
                "percent": 0.0000
            },
            "amexAuth": {
                "perItem": 0.1500,
                "percent": 0.0000
            },
            "avs": {
                "perItem": 1.0000,
                "percent": 0.0000
            },
            "batch": {
                "perItem": 0.0000,
                "percent": 0.0000
            },
            "voiceAuthorization": {
                "perItem": 5.0000,
                "percent": 0.0000
            },
            "retrieval": {
                "perItem": 25.0000,
                "percent": 0.0000
            },
            "chargeback": {
                "perItem": 25.0000,
                "percent": 0.0000
            },
            "achReject": {
                "perItem": 25.0000,
                "percent": 0.0000
            },
            "merchAnnual": {
                "perItem": 199.0000,
                "percent": 0.0000
            },
            "statement": {
                "perItem": 40.0000,
                "percent": 0.0000
            },
            "reporting1099K": {
                "perItem": 0.0000,
                "percent": 0.0000
            },
            "tinMismatch": {
                "perItem": 24.9500,
                "percent": 0.0000
            },
            "pciAnnual": {
                "perItem": 75.0000,
                "percent": 0.0000
            },
            "pciNonCompliance": {
                "perItem": 39.9500,
                "percent": 0.0000
            },
            "pciMonthly": {
                "perItem": 0.0000,
                "percent": 0.0000
            },
            "pciQuarterly": {
                "perItem": 0.0000,
                "percent": 0.0000
            }
        },

Miscellaneous Fees (SIF)

"miscFees": [
            {
                "name": "SERVICE FEE",
                "stopDate": "2024-11-26T00:00:00",
                "startDate": "2024-11-26T00:00:00",
                "frequency": 1,
                "month": 12,
                "year": 1969,
                "perItem": 1.0000
            }
        ]

To get the full list of SIF names use API method

Updated about 1 month ago